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League of Independent Book Retailer Insurance Services

Providing insurance coverage for independent booksellers since 1997.

The LIBRIS insurance program was created with the American Booksellers Association (ABA) to support the unique needs of bookstores and other specialty retailers.

With industry professionals who are knowledgeable and responsive, we will help you select the coverage that best suits your retail business.

The professionals at Arrowhead General Insurance Agency, Inc., a national leader in insurance solutions, manage the LIBRIS insurance program and provide quick, no-hassle claim resolution.

ABOUT US

Created by the American Booksellers Association (ABA), the League of Independent Book Retailer Insurance Services (LIBRIS) has been working with independent bookstores since 1997. Working directly with business owners and local agents around the country, LIBRIS also provides coverage for other specialty retailers and publishers.

Coverages

Bookstore owners need an insurance policy that protects their investment, is easy to understand and is priced right. The LIBRIS policy is designed to address the loss exposures unique to bookstores at low rates.

LIBRIS INSURANCE COVERAGE FOR BOOKSELLERS:

Business interruption/extra expense

Business liability protection

Computer equipment/software

Coverage for cafés/restaurants

Liquor Liability

Employee benefits liability

Employee dishonesty

Fine arts

Replacement cost for buildings and business personal property

Glass – interior/exterior

Hired and non-owned auto liability

Tenants’ legal liability

Theft

Used and rare books

Valuable papers/accounts receivable

Workers’ compensation

INCLUDED ON EVERY POLICY

$2 million per occurrence/$4 million aggregate business liability limit

$2 million personal and advertising injury

$100,000 tenant legal liability

$100,000 personal property at newly acquired premises

$25,000 for outdoor signage

$5,000 in medical payments per person

Business interruption — All loss sustained up to 12 months

BUSY SEASON & EXPANSION

No-Hassle Adjustments for Peak Season

LIBRIS automatically increases your inventory coverage by 25% during your peak selling season. Whether your increase is due to tourism, back to school sales or seasonal holidays, we take care of it for you.

Opening a New Store?

LIBRIS offers the ideal insurance program for new storeowners. We offer a flexible premium payment plan with no penalties for start-up operations.

ADDITIONAL PROPERTY COVERAGES

Accounts receivable*

$50,000

Money and securities*

$25,000 in, $10,000 out

Valuable Papers*

$50,000 in, $10,000 out

Personal effects

$15,000

Optional Deductibles
*Limits can be increased

$500, $1,000, $2,500, $5,000

OPTIONAL COVERAGES

Employee dishonesty

Up to $100,000

Building ordinance

Up to $100,000

Food spoilage

Varies per risk

Employee benefits

Varies per risk

Equipment breakdown

Up to limit quoted

Hired/non-owned automobile

Up to $1 million

Liability Coverages

Umbrella liability

The above is a summary of coverage, not a contract for insurance. For additional information, terms, conditions, restrictions or limitations, contact a LIBRIS insurance representative.

Testimonials

Independent bookstores are the cornerstones and of their communities and a welcoming place for their customers. Here are some kind words and testimonials from current independent bookstore LIBRIS policyholders.

“It’s designed especially for bookstores, with more features and lower costs. And the folks are so great to work with.”

Chuck Robinson, Village BooksBellingham, WA

“As far as insurance goes, they are the best I’ve ever worked with.”

Laure Laundry, Boulder BookstoreBoulder, CO

“We have received good coverage and excellent customer service.”

Roger Cohen, Penn Concessions, Inc.New York, NY

“LIBRIS is a BIG win for the booksellers – reduced costs for more coverage!”

Pat Ginther, Brown Book Shop, Inc.Houston, TX

“My rep is incredibly responsive and follows through immediately. I feel like I have my own personal insurance consultant.”

Terry Loucheim Gilman, Mysterious Galaxy BookstoreSan Diego, CA

“In the aftermath of Sandy, our LIBRIS agent was a true advocate on our behalf, helping us get coverage and be back in business quickly.”

Patience Banister, Bank Square BooksMystic, CT

LIBRIS has teamed up with the Christian Booksellers Association (CBA). CBA is a trade association offering vital connections, information, education, and encouragement to providers of Christian books, music, and specialty products since 1950. With CBA membership you will stay updated regarding trends and new products in the Christian retail industry and receive support from those who understand your business. Members of CBA also receive a discounted insurance rate from LIBRIS.

At UNITE, representatives from all aspects of Christian retail—publishers, suppliers, retailers, artists, and others—gather together to discuss relevant topics and encourage each other in the industry’s united purpose. At UNITE, you can connect face-to-face with thousands of key contacts efficiently, see the newest products firsthand, and receive exclusive pricing on new items.

Training for Bookstores
CBA hosts webinar trainings specifically for bookstores and retailers. In the training section of cbaonline.org, you can find support for topics from maximizing insurance protection to incorporating social media.

Contact

Our bookstore insurance specialists are available from
8:00 a.m. to 5:00 p.m. Mountain Time, Monday through Friday.